view we have taken, we direct that the
additional premium should be calculated by the
appellants on the basis of the rate which was
prevalent ... change of the
user. The interest should be charged on such
additional premium w.e.f. 12th April, 1984 since a
period of three months
coolie
accompanying the goods which included goats and their fodder.
The additional premium will cover the liability of the claimant and
he should be treated ... violated policy condition and not entitled to claim
compensation. When the additional premium has been paid, the Insurance
Company is liable to pay the compensation
However, since the claimant was
employed as a handyman and no additional premium had been paid by the owner of the vehicle to
cover ... employee will be covered under the policy without the payment of additional premium.
8. Mr. Goswami has also relied upon another subsequent decision
risk covered by
the policy of insurance. If additional risks are sought to
be covered, additional premium has to be paid. If the
contention ... does not arise."
It was furthermore held :-
"13. The additional premium was not paid in respect of
the entire risk of death
risk of the pillion rider and it cannot
be said that additional premium of Rs.50/- collected was for covering
unlimited third party property damage ... relevant time. It was an Act
only policy and the additional premium was collected for the third party
property damage.The Tribunal has elaborately considered
valid for the period from 10.02.2014
to 09.02.2015, that for an additional premium was paid by the insurer for personal accident
coverage of the owner ... motor cycle and in view of payment of such additional
premium, the contractual liability of the insurer is only for an amount
appellant
that the respondent No.4 has not paid additional premium of Rs.500/-
for the said truck to extend the geographical area of Bhutan ... liable to make the payment as the insured has not
paid additional premium of Rs.500/- to get the geographical area of
the policy extended
appellant
that the respondent No.4 has not paid additional premium of Rs.500/-
for the said truck to extend the geographical area of Bhutan ... liable to make the payment as the insured has not paid
additional premium of Rs.500/- to get the geographical area of the
policy extended
vehicle, thereby violated
terms and conditions of policy and that no additional
premium was collected to cover the risk of other occupants
of the vehicle ... representative of goods that were transported in the
vehicle. No additional premium has been paid to cover the
additional passenger in the vehicle in question
dismissed the claim petition on
the ground that there is no additional premium paid for the pillion
rider/deceased.
4.Against the said order ... counsel for the appellants further contended that in view of the
additional premium paid, the policy issued by the third respondent is
only comprehensive policy
